Certified Mail # ______________________________

DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES

PRIOR TO VALIDATION OF PURPORTED DEBT

From:
First-Middle: Last
c/o PO Box 00000 NOTICE TO PRINCIPAL IS NOTICE TO AGENT
City, State near [00000]
Non-Domestic without the US NOTICE AGENT IS NOTICE TO PRINCIPAL
Identification Number: XXX-XX-0000

To:
ABC LOAN COMPANY
ADDRESS
CITY, STATE ZIP CODE

February 4, 2019

Re: Alleged Account # 0000000

Error Resolution Information Request under 12 C.F.R. §1024.35
Loan No: 00000000
MERS MIN No: 0000000000000000000
Property Address: Address of the property

To Whom It May Concern:

Non-adverse, non-belligerent, non-combatant party is in possession of your recent voluntary

submission of evidentiary documents.

You are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR
DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts
to collect the above debt.

I have sent you a written request to validate my alleged debt having account no. 8900361430
which was received by your offices by Certified Mail # ______________________ on
_____________________________and ignored. Your actions after ignoring my initial letter are
in violation of the Fair Debt Collections Practices Act, Section 809(a).

I sent a second request, Notice of Dispute/Error Resolution Request, Demand for Validation and
Proof of Claim which was received by your office by Certified Mail # ___________________ on
_______________________ and has yet to be answered. FDCPA, Section 809(b) states that
the debt collector shall cease collection of the debt, or any disputed portion thereof, until the
debt collector obtains verification of the debt or a copy of a judgment, or the name and address
of the original creditor, and a copy of such verification or judgment, or name and address of the
original creditor, is mailed to the consumer by the debt collector.

If you are unable to validate this debt you agree YOUR NAME is a victim of identity fraud. I’m
seriously concerned not only about fraud and identity theft but also non-disclosure and
misrepresentations that could be contained in these documents.

Document Number: 0000000 1 of 6

 Certified Mail # ______________________________

Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A §§ 1601.1692 et al. this
constitutes timely written notice that, I decline to pay the attached erroneous purported debt
which is unsigned and unattested, and which I discharge and cancel in its entirety, without
dishonor, on the grounds of false representation and fraud. No judgment has been entered on
this matter.

15 U.S.C. §1692(e) states that a "false, deceptive, and misleading representation, in connection
with the collection of any debt," includes the false representation of the character or legal status
of any debt. I have incurred no liability for this debt.

Said Notice contains, false, deceptive and misleading representations, and allegations intended
to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property
belonging to me and to surrender certain substantive legal and constitutional rights. To act upon
this Notice would divest me of my property and my prerogative rights, resulting in a legal injury
to me.

Pursuant to 15 U.S.C. §1692g (4), Validation of Debts, if you have evidence to validate your
claim that the attached presentment does not constitute fraudulent misrepresentation and that I
owe this alleged disputed debt, this is a demand that, within 30 days, you provide such
validation and supporting evidence to substantiate your claim.

Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is
validated, you have no jurisdiction to continue any collection activities against me in this matter.
This is constructive notice that, absent the validation of your claim within 30 days, you must
cease and desist any and all collection activity and are prohibited from contacting me, through
the mail, by telephone, in person, at my home, or at my work. Your failure to do so will result in
charges being filed against you with the State and Federal regulatory agencies empowered with
enforcement. You are further prohibited from contacting, my employer, my bank(s), or any other
third party. Each and every attempted contact, in violation of this Act, will constitute harassment
and defamation of character, will subject your agency and/or board, and any and all agents in
his/her/their individual capacities, to a liability for such damages and a further liability for legal
fees to be paid to any counsel which I may retain. Further, absent such validation of your claim,
you are prohibited from filing any notice of lien and/or levy and are also barred from any further
legal action and from reporting any derogatory credit information to any Credit Reporting
Agency, regarding this disputed purported debt.

You are hereby in receipt of notice under the authority of the FDCPA regarding the above
referenced account number that part, or all, of the alleged debt is DISPUTED and hereby
demand validation and verification, in writing, as follows:

Provide licensing and permitting information that proves you are legally allowed to collect on,
issue and/or originate promissory notes of the In God We Trust/USA Inc. from current trustee(s).

Please also provide:

1) An authentic signed contract between you and YOUR NAME showing proof that you and
that person and you are now or were at one time in business together and other
supporting documentation that gave rise to the alleged obligation ABC LOAN
COMPANY is claiming owed.

2) Statement, under penalty of perjury that:

Document Number: 0000000 2 of 6

 Certified Mail # ______________________________

a. you are the bonafide party in interest of the contract and will produce said
authentic signed contract (#1 above) for my own and a judge’s inspection should
there be a trial to contest these matters.
b. the name and address of all persons, corporations, associations, legal firms or
any other parties and entities having an interest in the collection or legal
proceedings regarding the alleged debt.
c. as a debt collector you have not purchased evidence of debt and are proceeding
with this collection activity solely in the name of the original contracting party.
d. you know and understand that certain clauses in a contract of adhesion are
unenforceable unless the party to whom the contract is extended could have
selectively rejected the clause.
e. you will provide written verification from the stated ABC LOAN COMPANY that
you are authorized to act on their behalf in this debt collection action.
f. you have taken reasonable and prudent diligence to verify that the amount
claimed owed is in fact a legitimate debt prior to instigating this action and
making said claims, and that all relevant correspondence has been reviewed
prior to initiating this claim.
g. you will prove that you are the originator and lender of the funds, if in fact you
claim to be, and that the In God We Trust/USA Inc. nor any other entity besides
your organization originated these funds.

3) Production of the account and general ledger statement showing the full accounting of
the alleged obligation you are attempting to collect from me, signed and sworn by the
person responsible for maintaining these records and having first-hand knowledge as to
their accuracy and authenticity, and able to testify under oath to that effect.

4) Under the Truth in Lending Act pursuant to 15 USC §§ 1601-1667j (full disclosure), I
have a right to know who the true party of interest in this transaction is. As such, I am
asking you to stipulate whether you are the holder in due course for my promissory note.
If you are not the holder, then you admit to being the servicer of this obligation and
YOUR NAME or assigns is the true holder in due course of the promissory note. The
information you provide will be integral to the legal return of the missing note by leading
to the whereabouts of this note and is greatly appreciated.

5) Please also stipulate for the record whether or not this loan has been securitized, and if
so, the name and all other information of the financial instrument this loan is bundled
with.

6) If this loan has been securitized, then please provide me the pooling and servicing
agreement that names this loan as well as any documentation that explicitly gives you
the right to service this loan as well as enforce the promissory note in the event of
default. If you are hiding these facts from me despite my request, then you are hereby
notified that you are committing fraud and will be fined and prosecuted accordingly.

7) Pursuant of U.C.C. - ARTICLE 3 -§3-501 (b) 2 (1), I am entitled to demand presentation

of the negotiable instrument. That demand is hereby ordered. I demand that you present
for my visual inspection my original wet ink signature promissory note. This is required to
establish your right of enforcement as Holder in Due Course via a chain of assignment
and title as evidenced by the Note. Claiming to be the “the holder in due course” as a
statement is insufficient proof of status and is/will be rejected. A photocopy of the
documents is insufficient proof as it does not answer the question of who CURRENTLY

Document Number: 0000000 3 of 6

 Certified Mail # ______________________________

is the rightful and lawful Holder in Due Course.

If you are unable to provide this proof as I have requested within 30 days, then you
admit to not being a party of interest and cannot rightfully enforce your claim under
U.C.C . - ARTICLE 3 § 3-301 and admit to being engaged in “domestic terrorism”. If
you are unable to provide this proof as I have requested within 30 days, then you admit
to not being a party of interest and cannot rightfully enforce your claim under U.C.C. –
ARTICLE 3 § 3-301.

8) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > § 1692g part b), this
debt is officially in dispute, recognized by you as of receipt by your offices of Debt
Validation Letter by Certified Mail # __________________________________ on
___________________________. By law, all collection activities must cease until this
matter is resolved, however you have continued to pursue collection activity on a debt
that has not been validated. Blatant disregard for this law is subject to fines by the FTC
and is “domestic terrorism”.

9) I am giving you formal notice that failure to respond to this letter through a verified and
validated proof of claim within 30 days as I have asked for, point for point will be taken
as an administrative default.

Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms
will not be acceptable and is proof, agreement to and evidence of “domestic terrorism”.

Please provide me the following:

1. The CUSIP number under which this loan was securitized.

2. Make available for visual inspection my original wet ink promissory note (not a
photocopy, a copy is proof of counterfeiting and “domestic terrorism”).

3. Please state for the record that you in fact loaned money and that YOUR NAME did not
provide the funds for this financial transaction in question. The issue in question is
relevant to promissory fraud, missing information that changed the terms of the contract
due to the missing elements of the contract. You thus open yourselves and your
auditors and the sales organization that all deceptively took my promissory note with no
compensation to me and that element was missing from the contract to fines and
felonies related to this “domestic terrorism”. This means you acquired the promissory
note in fraud, paid no tax on its acquisition and changed the terms of the contract. This
makes any signature invalid and any contract voidable which I now choose to void. You
open yourselves both personally and professionally liable and culpable to all felonies,
misdemeanors, fines, compensatory and punitive penalties and all other reacquisition of
assets and acquisition of assets possible due to your illegal financial scam, “domestic
terrorism” and scheme.

4. State for the record what the accounting entries for the acquisition of the promissory
note are. They must match the fact that you say you have loaned money or you are
fraudulently collecting a debt. They must show that compensation was given for the
note or this note was originally gotten in fraud and you therefore have no legal title to the
note which makes YOUR NAME or assigns the Holder in Due Course.

Document Number: 0000000 4 of 6

 Certified Mail # ______________________________

5. Provide copies of current licenses and permits that allow you to collect this debt for a
third party as a licensed debt collector in North Carolina as fines and felonies are the
penalties if you are not licensed properly should you not be the true party of interest in
this debt collection bill copied and enclosed. The lack of congruity between the contract,
promissory note, chain of title to the note and the accounting entries prove you must be
a licensed debt collector in (insert the state you live in).

6. Please attach a copy of any signed agreement alleged debtor/claimant has made with
debt collector, or other verifiable proof that debtor/claimant has a contractual obligation
to pay debt collector.

7. Produce the account and general ledger statement showing the full accounting of the
alleged obligation that you are now attempting to collect. Such as; FR 2046 balance
sheet (OMB #’s 2046, 2049, 2099), 1099 OID report, S-3/A registration statement, 424-
B5 prospectus, RC-S & RC-B call schedules

8. Identify by name and address of all persons, corporations, associations, or any other
parties having an interest in legal proceedings regarding the alleged debt.

9. Verified specifically, name(s) of person(s) assigned as Trustee to handle Corporations

affairs and to be held accountable for the actions of the Corporation. Such as CFO and
subordinates responsible for debt collections.

10. Verify as a third-party debt collector, you have not purchased evidence of the alleged
debt and are proceeding with collection activity in the name of the original maker of the
note.

11. Verify you know and understand that certain clauses in a contract of adhesion, such as a
so-called forum selection clause, are unenforceable unless the party to whom the
contract is extended could have rejected the clause without impunity.

12. Verify that you know and understand that contacting me again after receipt of this notice
without providing procedurally proper validation of the debt constitutes the use of
interstate communications in a scheme of fraud by advancing a writing, which you know
is false with the intention that others rely on the written communication to their detriment
a violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341.

Please contact me in writing to arrange for an appropriate point of inspection.

Litigation is very expensive for you and should be avoided at all costs. This is my good faith
attempt to resolve this matter before I am forced to litigate and record Notice of Lien against
ABC LOAN COMPANY and its assets starting with its corporate headquarters. I am pleading
with you to resolve this matter privately and civilly as to avoid burdening our courts and county
recorders with this matter.

Contacting me again after receipt of this notice without providing procedurally proper validation
of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or
should know is false, with the intention that the courts and/or others rely on the written
communication to impair or damage my credit rating, my reputation, my standing in the

Document Number: 0000000 5 of 6

 Certified Mail # ______________________________

community as well as intentionally inflicting financial and emotional harm upon me which are all
acts of “domestic terrorism”. I take this notice, and my rights, very seriously and expect ABC
LOAN COMPANY to do the same.

In the event that this debt is not validated by you as required by the Fair Debt Collections
Practices Act, you have a legal responsibility to terminate the claim and correct any negative
credit reporting which may have been made in connection with this alleged debt. You may want
to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt
were to be resold; assuming that ABC LOAN COMPANY has not in fact already sold the note it
is trying to collect on which would prove they had already been paid on the note they are trying
to collect on, yet another scheme of fraud the employees, owners and auditors would all be
personally and professionally liable for individually and collectively as collusion of “domestic
terrorism”.

I also will not respond to any future correspondence which is not signed or does not indicate
who at your firm has sent the demand for payment.

Failure to provide these items shall mean your admission that you have no claim and that your
claim is proof of “domestic terrorism”.

I hereby attest and affirm, under the penalties of perjury, under the laws of North Carolina that,
to the best of my knowledge and belief, the above is true, correct and complete.

May our Lord Jesus Christ guide you in your choices as He does mine, as I surrendered my
soul, actions, thoughts and all words and deeds to His authority.

Sincerely,

_______________________________________________

First-Name: Last, All Rights Reserved

Real Party in Interest, Live breathing woman.

Document Number: 0000000 6 of 6